9-12 months probate is the most common time frame, but is custom to every individual's estate plan.
* Law varies by state.
** Certain exceptions apply.
*** Loans against your policy accrue interest at the current rate and decrease the death benefit and cash value by the amount of the outstanding loan plus interest. This is our understanding of the generally applicable rules. Please understand Atlantic Financial Group, LLC, its agents or employees may not give legal or tax advice. We recommend everyone seek and rely upon the advice of his or her own professional advisors.

Brett M. Sause, Suzanne Higgins,Staci Bondura, Molly Sause are agents licensed to sell insurance through New York Life Insurance Company and may be licensed with various other independent unaffiliated insurance companies in the states of Maryland, Delaware, Virginia. Brett M. Sause is also licensed in Pennsylvania, Florida, Virginia, Georgia & North Carolina. No insurance business may be conducted outside these state referenced.

Brett M. Sause,Staci Bondura, Molly Sause are Registered Representatives of and offers securities products & services through NYLIFE Securities LLC, Member FINRA/SIPC, A Licensed Insurance Agency, 1954 Greenspring Drive Suite 700 Timonium, MD. 21093 (410)321-6161. In this regard, this communication is strictly intended for individuals residing in the state of Maryland. No offers may be made or accepted from any resident outside the specific state referenced.

Brett M. Sause, Staci Bondura, Molly Sause are Licensed to offer mutual funds and variable products. Market Watch information is provided for informational purposes and is not considered an offering of securities.